Side-by-side · Q2 2026 data
The First National Bank of Moody vs McLennan County Employees Federal Credit Union
Credit union
McLennan County Employees Federal Credit Union
Waco, Texas · Under $100 million in assets
Metric by metric
| Measure | The First National Bank of Moody | McLennan County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 85 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 59 (stronger) | 26 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 92nd | 77th |
| Total assets | $54.2M | $21.6M |
| Deposits / shares | $42.4M | $15.9M |
| Capital ratio | 18.31% | 25.62% (stronger) |
| Problem loans | 0.00% (stronger) | 0.02% |
| Net charge-offs | -0.06% (stronger) | 0.22% |
| Return on assets | 0.97% (stronger) | 0.16% |
| Loans ÷ deposits | 39.2% (stronger) | 41.3% |
| Uninsured deposits | 14.3% | 1.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Moody has the higher TellerScore (92 vs 85). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Moody leads on 5 and McLennan County Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.